speedlight

5 Contributions 9 People Helped

Member Since: December 2010

Most Helpful Contribution

Discover it®

Mar 21, 2013
Helpful to 3 out of 3 people

I applied for this card and got accepted with a $2500 limit and credit score of 758 equifax based on the credit score discover provides you with once you recieve your card in the mail. A word of advice. Yes, discover has excellent customer service and benifits. The card is amazing. However, if you do have another credit card supported by visa or mastercard, you may want to hold on to it. Not everyone accepts discover. I have already run into a few (though not many) stores and food places that do not accept discover. Im sure discover is working on that though. Keep this is mind before you tranfer every balance and close all your other CCs. 

Activity (5 Total Contributions)

Discover it®

Mar 21, 2013
Helpful to 3 out of 3 people

I applied for this card and got accepted with a $2500 limit and credit score of 758 equifax based on the credit score discover provides you with once you recieve your card in the mail. A word of advice. Yes, discover has excellent customer service and benifits. The card is amazing. However, if you do have another credit card supported by visa or mastercard, you may want to hold on to it. Not everyone accepts discover. I have already run into a few (though not many) stores and food places that do not accept discover. Im sure discover is working on that though. Keep this is mind before you tranfer every balance and close all your other CCs. 

Apply for Barclays Arrival World Mastercard or NOT?

Dec 30, 2013
Regarding Barclay Arrival Mastercard
Helpful to 1 out of 1 people

I am a US citizen and applied for this card about 3 months ago. I had a credit score of about 720 (according to Credit Karma) and got accepted with a 4k limit. I called immediately afterwords and asked for a bump up but they said their limit was comparable to my other cc limits, which is true. My other highest card was 4k as well. So expect a conservative limit if you get accepted. 

There are two versions of this card. One is a free version but has less benifits. The other, the "premium" card has an annual fee, but this fee is waved the first year. The card has the great benifit of getting $400 worth of miles if you spend $1000 in the first 3 months. Good luck. 

How can I see all three credit scores?

Sep 25, 2013
Helpful to 1 out of 1 people

Credit SCOREs and credit REPORTs are different. A credit report is a detailed analysis of all your credit card accounts and loans, along with any negative marks (collections, overdue payments, etc.) A credit score is a snapshot of your "financial health". 

Credit reports are free (one free report per agency per year) from annualcreditreport.com as mentioned by others. Credit scores are almost never free (exept for credit karma of course!), and some other websites as mentioned above. You can get a free credit score (sometimes) when you apply for credit, i.e. when you apply for a credit card or a loan. Of course it is not a good idea to apply for credit simply to get your score. Credit SCOREs cost money (normally from $3-$12).

CareCredit® Card

Sep 14, 2013
Helpful to 1 out of 1 people

Yep. Medical/Dental providers tend to go crazy with tests/procedures when thye learn they dont really have a limit. This especially occurs with medical insurance. Medical providers will give someone all types of tests or the most expensive prescriptions (some of which will probably be unnecessary) if you have insurance since the insurance company has "unlimited funds". The same goes for care credit.

They may suggest tests or procedures that you dont need since you have care credit. They may try to convince you that you will have plenty of time to pay it off and the interest is deffered, which is true will the payment options ( often 6, 12, or 24 months of deffered interest), but be careful. Procedures are expensive and you can easily get in way over your head with minimum payments higher than you expect (and the possibility of not being able to pay the balance off within the deffered interest period causing the compounded interest charges to be incurred and your balance to increase even further). 

CareCredit® Card

Sep 14, 2013
Helpful to 1 out of 1 people

You may have noticed when you call them and ask for a credit limit increase, they ask what your monthly or annual income is. There is a reason for that. If you do not make very much, they will not increase your limit, especially not to something like 10k . That is a very high risk for any credit company if you end up charging your card to close to 10k and cant make the minimum monthly payments (probably around 350-400 for that high of a balance).